Calis Beach and Fethiye Turkey Discussion Forum
Information and Services in Turkey Section => Health & Healthcare => Topic started by: kevin b on August 14, 2010, 09:27:18 AM
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Is this another kick in the teeth for foriegners.
http://www.hurriyetdailynews.com/n.php?msg=commentsaved&n=attention-to-this-date-2010-08-05
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I am a little confused here....I know a residency permit gets one half price treatment in state health care.
Does paying this then mean it will be free?
I know its not free for Turks unless they are granted a special card.
I think the least the consulate could do is clarify what this means to its citizens residing in Turkey.
Seems to me Cameron et al might as well ditch these supposed outposts of the foreign office for what use they are.
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I don't know about anyone else but I think this will be the death knoll for a lot of people over here if this is correct. Last man leaving Dalaman turn the light out.
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I think if you find the relevant info it's about people who work.
Stoop posted the link a few days ago.
{A Link to an old CBF topic was here - no longer available}36997&whichpage=2
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You will find that this was past in 2008 and comes into place 1st Oct 2010. People with RP's and no private health care are required to enroll within 2 years the cost is 182tl per month for a family.
It entitles you to medical health care
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If you work, your insurance contribution is over 300tl a month, luckily, your employer is supposed to pay this. Mind you, this does cover pension as well.
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http://www.hurriyetdailynews.com/n.php?n=the-q--a-day-2010-08-13
Some more information about Universal Health Insurance.
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Interesting take on the fact it doesn't appear to be for workers only. Taken from the link above:
· If you (you and your husband) are not registered as insured in your country,
· If you have a resident permit and
· If you have completed a year living in Turkey,
You must apply for Universal Health Insurance. As a UHI right-holder, you can use state hospitals, private hospitals and university hospitals. However, at private hospitals you will pay a portion (30-70 percent) of the costs. The UHI covers almost all health problems (excluding plastic surgery), such as operations, treatment and pregnancy.
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So, if this is now law, it will cost a couple over 4000ytl to live in Turkey for a year, that amounts to your interest on say 50,000ytl at 8% for a year, not good news me thinks:-\
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BM06 - but is it??? As usual the definitive answer is elusive.
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Yes, the answer is always Seven, i agree with Stoop:D
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I thought the answer was always 42 !
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BMo6, no only 1 half of a couple need to have this as spouse and children are covered if one person pays it. This equates to 12 x 182TL = 2184TL.
Cheaper than private insurance which can be over 2000TL per person.
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It is spouse though and not common law.
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Spouse is what I said:D
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Anybody any idea how much for a single person?
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quote:
Originally posted by Eric
Spouse is what I said:D
Yes you did. If I was referring to your post I would have quoted you :)
I was just stating a fact that some people might not know.
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Would my daughter & grandson be covered as part of my family or are they a separate unit?
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OK:D
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Tytots I think if you all live at the same adress and your daughter is covered then it will cover all three of you.
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quote:
Originally posted by Eric
BMo6, no only 1 half of a couple need to have this as spouse and children are covered if one person pays it. This equates to 12 x 182TL = 2184TL.
Cheaper than private insurance which can be over 2000TL per person.
yes Eric but to have insurance you have to be a resident so add that on as well?:-\
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quote:
Originally posted by Dizzy Jan
I think this will be the death knoll for a lot of people
Death knell surely, death knoll was something to do with JFK :D
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quote:
Originally posted by Eric
OK:D
OK:D:D
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Is this the OK cokey then????? ;)
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Only if they put their left legs in.... ;)
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There is a meeting organized by Kalkan Daily News to hopefully clear up this matter. It will be attended by bankers, a representative of the Sosyal Guvenlik, Baris insurance ect. Think it is on the 17th September venue yet to be decided. It will of course be fully reported if you are unable to attend.
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Tribalelder......Thank you for that information I will watch nd wait to hear the outcome. Found this topic confusing as did others I believe :-\
Carol
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Thanks for that Tribalelder. I think most of us just want to toe the line. Unfortunately 'the line' is hard to pin down.
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I thought it was just me rindaloo ;)
quote:
Originally posted by Rindaloo
Thanks for that Tribalelder. I think most of us just want to toe the line. Unfortunately 'the line' is hard to pin down.
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Well if this comes in thats me off ,I've had enough of it getting stitched up all the time anyone want to buy a 4 bed house[:(!][:(!]
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Well then don't even think about moving to Thailand Lance - there is no NHS over there so no insurance = no treatment. You can get a 4 bed villa for about £30k though :)
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Here is a bit more info
http://www.hurriyetdailynews.com/n.php?n=universal-health-insurance-2010-08-20
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http://www.hurriyetdailynews.com/n.php?n=the-q--a-day-2010-08-27
And a bit more!
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So it looks like you have to have it if you are resident.
Taxi for Lance ;)
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I've been away from the UK too long, how does the cost of this health insurance compare to what is paid in National Insurance in the UK?. Would two people working in average jobs pay less than the turkish equivalent?
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Well that isn't quite balanced as questions go Baz. If this is compulsory, you aren't allowed to work to help pay for it!
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I think it's about 11% of earnings above £97.00 per week and up to £40k earnings per year. Then it's 1% of any earnings above £40K now but of course it includes your pension.
So someone on say £20k would not pay on the first £5k but 11% on £15k = £1650 per year.
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quote:
If this is compulsory, you aren't allowed to work to help pay for it!
In previous threads on this subject, it has been stated that this is compulsory for people (foreigners) who work here. There is no mention in the rules/law that it is compulsory for retired residents, I think it was Stoop who posted the link.
quote:
So someone on say £20k would not pay on the first £5k but 11% on £15k = £1650 per year
So for 2 people it would be £3300/year or at todays exchange rate 7656/year, I'm not absolutely sure but I believe if you pay a higher rate you can recieve a pension here in Turkey as well.
I know it is not a straight comparison, but if we had to return to the UK we could not live on my pensions, so would have to get jobs and pay NI.
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Baz - Same for me - I am retired but need to work to top up my income (too young to sit about doing nothing anyway ;)).
I have a company pension which I am now receiving and pay no NI at all on that. I do however pay it on my income from my part-time job. It's minimal though as I don't earn that much and the first £97 per week does not attract contributions.
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... also the link that Daffodil put up seems to confirm that it is for all residents - working or not.
http://www.hurriyetdailynews.com/n.php?n=universal-health-insurance-2010-08-20
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So, if that is the case, now or in the near future[?] for a family of two that's your interest on 50k ytl gone in one fail swoop. RP + UHI = 4k YTL.:-\
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The cover of 185 tl a month covers a spouse and children too, If you are single and living together you have to pay x 2
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That's correct Sandy common law or what ever its called, is not recognized in Turkey.
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So what happens if in your wisdom you decide not to pay this insurance for example you have the means to pay for your requirements. Will you have to go to a private hospital? Will the health police knock on your door and arrest you....fine you?......deport you? Earthquake insurance DASK is mandatory but over half the population does not have it!:(
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Exactly....if the authorites cannot seem to chase up even the Turks who don't have mandatory Dask insurance, how can they possibly chase up ex pats to check on health insurance. They just seem to be hell bent here on making life difficult and costly for ex pats. Why can't they just leave this health insurance as it is, as in...IF you want to purchase it then go ahead, otherwise just let them pay for hospital treatment etc, if and when they need it.
quote:
Originally posted by tribalelder
So what happens if in your wisdom you decide not to pay this insurance for example you have the means to pay for your requirements. Will you have to go to a private hospital? Will the health police knock on your door and arrest you....fine you?......deport you? Earthquake insurance DASK is mandatory but over half the population does not have it!:(
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The other thing to take into account is you may have to show proof of UHI when applying for a RP or when you renew it?
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Yes, and to my previous post on this, it is the way the govt here will make sure we have health insurance of some kind. Which is why (we all imagine!!!!) come sometime in 2011, the visa runs will have to stop, all ex pats will have to take out residency visa, and that is when ex pats will have to have compulsory health insurance.
I have been reading even more pages of this subject on an Antalya forum, and like here....just as confusing. Some pointing out that it will be for all ex pats with residency, others still saying it's only for foreigners who have work permits. Either way, it certainly seems like ex pats from many countries have had enough of the Turkish Govt thinking all ex pats are 'walking wallets' and time to leave.
quote:
Originally posted by BM06
The other thing to take into account is you may have to show proof of UHI when applying for a RP or when you renew it?
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When they state the lowest premium is 182L does this mean that this is the lesser package and that you would still have to pay some percentage towards medical costs
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Slightly off topice but relevent I think, I today renewed my residence permit, I know many people involved in stamping my forms etc so asked re ex pats living on tourist visa and also whether I need to take health insurance, the reply was yes I need insurance, when i asked why are we who are living here legally on a permit are getting penalised compared to those doing the 3 month run, the reply was that they are closing that loophole and also I can apply for Kimlak soon and those now on tourist visa they will never be able to do.
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Also seen this from consulate
http://ukinturkey.fco.gov.uk/en/help-for-british-nationals/living-in-turkey/health-insurance
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quote:
Originally posted by Julesp
Also seen this from consulate
http://www.calis-beach.co.uk/forum/post.asp?method=Reply&TOPIC_ID=37061&FORUM_ID=121
Blank jules ;)
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quote:
Originally posted by Julesp
I can apply for Kimlak soon and those now on tourist visa they will never be able to do.
Sorry Julesp, I don't quite understand what you mean. Are you saying anyone who decides to now get an RP instead of tourist visa is actually disqualified from ever applying for Kimlak?
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quote:
Originally posted by janmack
quote:
Originally posted by Julesp
I can apply for Kimlak soon and those now on tourist visa they will never be able to do.
Sorry Julesp, I don't quite understand what you mean. Are you saying anyone who decides to now get an RP instead of tourist visa is actually disqualified from ever applying for Kimlak?
I really dont know, its just what was said in reply to my question, but I dont think they could disqualify you on those grounds as the rules stand at the moment, though what their plans are for the future who knows.
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quote:
Originally posted by stoop
quote:
Originally posted by Julesp
Also seen this from consulate
http://www.calis-beach.co.uk/forum/post.asp?method=Reply&TOPIC_ID=37061&FORUM_ID=121
Blank jules ;)
Pasted wrong page!! Should have been
http://ukinturkey.fco.gov.uk/en/help-for-british-nationals/living-in-turkey/health-insurance :-\
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http://www.hurriyetdailynews.com/n.php?n=uhi-registration-2010-09-08
:)
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I know I am easily confused :) but Peters question states that he has private Turkish medical insurance but the reply was that English medical insurance wasnt applicable.....Did the replier not read the question properly.
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Janmack - If you have or have ever had a Resident's Permit you can get your Yabanci Kimlik number, whereas if you have only had the 90 day tourist visa's you can't. The reason being that you need an RP number to enter on the Kimlik application.
Here is a link to the site to get your Kimlik number and you can print it off and keep it with your RP.
http://tckimlik.nvi.gov.tr/Web/ForeignQueryIdentityNumber.aspx
And to stay on topic, I'm just as confused as everybody else as to whether this insurance is going to be compulsory for all resident permit holders, pensioners as well (if not privately insured) or just people of working age. I await more info with baited breath - the "For Sale" sign is already up !!!
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I read that the word "Mandatory" was used for the UHI.Will it mean just that?
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Where abouts in Fethiye is the SSK/Bag-Kur office?
It's ok thanks. I have found the office.
Done and dusted.As easy as falling off a log
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Can you tell us where the office is and can you confirm the price you had to pay Apollo?
Thanks
Denise
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Thanks for that Leeglo. Is it possible for you to let us know what info to enter into each line of this form as I cannot understand what to put in where.
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(http://)It's far less complicated if you go to the site in this link
http://tckimlik.nvi.gov.tr/Web/ForeignQueryIdentityNumber.aspx
Resim Dogrulama Enter the security number shown to the right of the field
Dogum Yili: Your year of birth
Ikamet Tezkere No: Your current OR expired Residence Permit number
Press Yabanci Kimlik No Sorgula and your ID Number will appear on a new page.
If you don't know your current or previous Residence Permit number, then complete the fields on the right-hand side of the screen and, providing what you submit matches your original application, you'll get your ID Number
Previously posted by KKOB......it does work :)
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Thanks a lot Tribalelder - it worked for me.
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Hi Paul (appolo), just out of curiosity did you take out the state medical insurance by choice?? Can I also ask you how much the premium was and if there were different tiers. Also have you had it translated into English so you know the nuts and bolts of it. Sorry to ask so many questions but with this topic being very current it might enlighten us.
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Interesting article in the Kalkan Turkish Local News, courtesy of the Fethiye Times;
http://kalkan.turkishlocalnews.com/portal/kalkan-news/98417-ktln-health-seminar-on-friday-cancelled
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quote:
Originally posted by Eric
Interesting article in the Kalkan Turkish Local News, courtesy of the Fethiye Times;
http://kalkan.turkishlocalnews.com/portal/kalkan-news/98417-ktln-health-seminar-on-friday-cancelled
Yes Its as clear as Mud!
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Another little snippet about health insurance. It is the second question in the article.
http://www.hurriyetdailynews.com/n.php?n=turkish-passport-2010-09-16
http://www.todayszaman.com/tz-web/news-220691-132-public-private-pay-as-you-go-health-care-for-expats.html
Still as clear as mud.
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Wow this is a mine field,does anyone understand all this ?
it does not seem very clear.
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The Zaman article also says "may" .......so maybe it is our choice as Eric's link also implies.
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Why oh why do you never get a definitive answer??? So frustrating.
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http://www.hurriyetdailynews.com/n.php?n=the-q-a-day-2010-09-23
I thought there was an office in Fethiye?
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The latest on this I think
http://ukinturkey.fco.gov.uk/en/help-for-british-nationals/living-in-turkey/health-insurance
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Ok, I'm really confused... what do the majority of people do for medical insurance for permanent living in Turkey? BUPA is massively expensive! Obviously we want to ensure that we are covered preferably with existing conditions ie high blood pressure. It's a minefield trying to research this and my head hurts now. :(
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quote:
Originally posted by Blissy
Ok, I'm really confused... what do the majority of people do for medical insurance for permanent living in Turkey? BUPA is massively expensive! Obviously we want to ensure that we are covered preferably with existing conditions ie high blood pressure. It's a minefield trying to research this and my head hurts now. :(
Ive been living with fingers crossed that nothing too expensive will happen to me, upto now I have paid for treatment as needed and havent had any exorbitant bills yet.
Many people I know fly back and to to the Uk for NHS treatment, which besides being illegal for me to do I think its the last thing I would want if I was to become seriously ill.
Because of this I am currently looking into taking up the SSK, which though it seems expensive, especially as I am single so only covers myself,it is much cheaper and more comprehensive than private medical insurance and doesnt exclude pre existing conditions or take age into account, I think its very good value for couples and families.
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We used our new Turkish Government Insurance today. First it is not called SSK. That is the insurance that your employer pays for you if you are working. For unemployed or retired ect it is SGK or known as BAGKUR. We get the same rate as the Turkish and for a consultation with the neurosurgeon at ESNAF it cost us 27TL. My husband is having a spinal operation to release his trapped sciatic nerve.He will be in hospital 1 day (overnight)and the cost will be approx 635TL.I think we would have paid 2500-4500TL approx based on the cost of the spinal op for a ruptured/slipped disc he had 18 months ago which cost 9.900TL without the BAGKUR.
Everytime you go to the hospital of your choice you need to take your NUFUS/Population number and your SGK/BAGKUR number with you and a form of identiification, Residency /Passport as they have your photo on it.We have these numbers on a card and had it laminated in Fethiye and keep it on us all the time with our phone numbers and tax numbers on the back. One thing we were toldat ESNAF was that if you don't pay your subscription 1 month and need hospital treatment you cannot use the SGK/BAGKUR you will revert back to private costs.They check everytime you go in as they link up with the government computers to make sure you have paid so no bucking the system. Hope this helps those who are considering joining this system.
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does any one know the difference between Bag kur & UHi i am beginning to feel rather confused over this health issue
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UHi is Universal Health Insurance looks like another name for Bagkur, same costs. I Googled it and read up.
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went to see about the Turkish Governments Health insurance for foreigners yesterday.Decided to let Carole and Tyfun take all the hassle out of applying for me.Was almost plain sailing till we got to the SGK offices near the otogar.There we were informed that the government had put a halt to this type of insurance for foreigners three days ago!They are going to issue a new form of this insurance in 3/4/9/11..........days!Dont know if the price will remain the same 187tl a month for a single person 250tl for a couple just have to wait and see.
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What is the latest on this? Still seems to be conflicting information being given out and it is very confusing. [?]
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Neylan in Uzumlu says they have bought out a new SGK and you can email her through this site for information as there are many options. I must admit I could find nothing on any of the Turkish Governemnt sites about new regulations/laws maybe she can throw a light on the subject.
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Why do people have to hide behind "email me for details" If people have genuine information that can be of benefit to members just post it!:(
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Do you mean neylan is selling insurance?
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No idea she just says email her for details.I agree give us the website or details .
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I have taken out Turkish medical insurance with SKG (Bagkur) two of us per month 255tl. I am going through extensive treatment in Antalya and it covers everything. It is for residents who rely on pension to live on.No wage in Turkey.
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neylan will help you with most things,she charges a small fee for her services. (trouble is people want something for nothing)
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We have Bagkur/SGK and it has just gone up to 270tl a month. We have registered with our local doctor in Ciftlik and she gives us a 3 month prescription and all the medicines are free apart from aspirin and vitamins but they are cheap. You need to get any permanent illness eg. diabetes, registered with a doctor at hospital and he writes a report for Ankara and then gives you a copy of this report. Every time you get a prescription you need to take this report with you and the pharmacy copy it and send it with copy of prescription to Ankara so they get reimbursed for the medicine they give you.It seems a lot of palaver but once set up it's easy.
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Neylan (my wife)has only said email her for details as the procedure can be quite complex and to try and cover everything might take several pages plus you have the usual problem that rules or their interpration can change very quickly. For example SGK office recently asked for a letter feom the Department of Agriculture office to state that the people applying did not make any profit from their land - we have no idea why. Anyway she managed to get this but as this was the first one no one at Agriculture office knew what to do at first.
As far as we know their is no website with details of the process and I have friends in Antalya who say their the process is slightly different.
She is happy to pass on information if people want to do the process themselves and has done so on several occasions.
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quote:
Originally posted by tribalelder
Why do people have to hide behind "email me for details" If people have genuine information that can be of benefit to members just post it!:(
What a pity that I just saw your comment about my offer to help.
You might miss my goal what I try to do here in forum...Please attention that I never reply anyone with any cost, its free...thats many sort of rules, depends on the people's requests and needs...I can not explain all of them in forum texts and surely everyone does not interest like this SGK subjects also...
I always reply by e-mail if the people want answers...also I can assist them in person if they need more help with any formal processes.
Please do not hesitate to e-mail me if you have any questions about SGK...its free !!!
Neylan
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Our insurance has not gone up is still 255yl mth and just take prescriptions to pharmacy and get reduced price.
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I think Neylan is a really helpful poster on the forum
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quote:
Originally posted by Harmless
I think Neylan is a really helpful poster on the forum
I agree. Don't people ever think of how hurtful their comments are!
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Neylan is a good source of information on process matters and will try to assist you on many and any matter, there is no need to imply anything sinister in her offer to assist by e mail, some people may want to have questions answered off a public forum and she is offering that, keep it up Neylan!
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I think I am going to need help from Neylan to sort out my SGK / Bagkur problems.
My wife and I went along to the SGK office today to try and obtain this insurance. The Head of Office, a Lady was unavailable, but a gentleman introduced as her assistant spoke to us via our interpreter.
He made two things clear: The cost would be 200Tl per person per month, and in addition to our Passports, Residence Permits and Kimlik number we would have to produce an unspecified document from a Consulate ( Istanbul or Ankara being his suggestions ) proving that we were both "Retired" and that we were both "Uninsured"
He was unable or unwilling to explain just what was meant by "Uninsured"
He would have no dealings with us until we had obtained these unspecified documents.
Have the "Rules" changed yet again?
Of those helpful souls posting on this Topic - can they tell me just how recently they applied for their SGK/Bagkur please?
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Hi Kingsley, Charlie & I went to the SGK office on the main road to the Otogar this morning and that was when they have entered me on to the Bagkur system. I posted about this on the other topic running about the sudden rise in health costs.
Denise
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I cannot understand that, but as you say they are always moving the goal posts. I just took Residency, Tax, Passport and Kimlik number and it was sorted same day. 255tl per month for myself and husband.
199tl for me and 65tl for my husband.